Search found 488 matches

by Goal33
Wed Dec 13, 2017 2:20 am
Forum: Investing - Help with Personal Investments
Topic: ESPP: max out early in the year?
Replies: 4
Views: 426

Re: ESPP: max out early in the year?

At my company it's the luck of the draw. You want to get 25k in in there, but it depends on during which period the stock has a better positive movement. That's the period you wanted to max out in. Impossible to know.
by Goal33
Mon Dec 11, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1470

Re: Parking Lot Dent: Pay myself or submit claim

Did you hit another car?

If you care about resale rates you won't want to do this through the insurance because then the work done will end up on the carfax report.
by Goal33
Fri Dec 08, 2017 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Company is being Acquired Please Help with 401k Advice
Replies: 8
Views: 494

Re: Company is being Acquired Please Help with 401k Advice

I think you are missing information and you should probably sit tight until you learn more about your situation...
by Goal33
Fri Dec 08, 2017 1:10 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5385

Re: What do Bogleheads say when they don't want to spend money?

I say something ridiculious like “do I look like the federal reserve?”
by Goal33
Wed Dec 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 176
Views: 9919

Re: Do people still use AAA?

I pay for the plus AAA 100 mile tow. I've paid since I've been a driver. So 11 years now... Total cost probably around 600 bucks. I'm a spinoff from my parents account so I've been a member for about 45 years even though I'm only 26 :) I use them every year for DMV services which I find to be excell...
by Goal33
Sat Dec 02, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2299

Re: Empty nesters, how did your finances change when the birds left the nest

It might be that they are saving more money because:
1) They refinanced their house a million times as the rates went down or they've since paid off the house.
2) They are earning more money at work than they used to
3) They are mixing up their ability to save with how generous the market has been
by Goal33
Fri Dec 01, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10321

Re: Price of haircut?

I live in the VHCOL bay area. Male

I pay $35 + $5 dollar tip. I go for this every 5 weeks.

I get a complementary neck trim in-between from same person. I tip $5 for that.

My hair is always perfect. I think it's worth it
by Goal33
Thu Nov 30, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15116

Re: A good friend has nearly $1M in BitCoin what do I tell him?

When he tells you that he is going to let it ride you can tell him that he’s smart to avoid the capital gains and his kids can sell the coins with a step up in basis when he dies.
by Goal33
Thu Nov 30, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9485

Re: Which crash have you seen it before it is coming?

I knew when watching the Sopranos that Christopher Moltisanti was going to crash before it happened.
by Goal33
Tue Nov 28, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: BLK Friday -Washer/Dryer purchase for future
Replies: 10
Views: 841

Re: BLK Friday -Washer/Dryer purchase for future

I had bought a washer/dryer on Black Friday 2016 from Best buy. There was no delivery date set up. 11.5 months later, the delivery was scheduled but the dryer was back-ordered so I canceled the complete order and bought from Sears on Black Friday 2017. Strongly recommend Sears for appliances. They'...
by Goal33
Tue Nov 28, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Expecting high income in 2018 ($1m+) looking for advice
Replies: 16
Views: 3153

Re: Expecting high income in 2018 ($1m+) looking for advice

ralph124cf wrote:
Mon Nov 27, 2017 11:13 pm
As you know, California has nasty tax laws. Is there any chance you could realistically and legitimately move your business and residence to Nevada?

Ralph
Yes, move.
by Goal33
Wed Nov 22, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12082

Re: Help DW gets fired, but then next day her boss offers her job back

SrGrumpy wrote:
Tue Nov 21, 2017 11:00 pm
Goal33 wrote:
Tue Nov 21, 2017 9:34 pm
How about a 25% cut and a 25% reduction in hours?
How about a 25% pay rise?
Makes sense if she doesn't want to go back
by Goal33
Mon Nov 20, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need a cash reserve
Replies: 7
Views: 924

Re: Do I need a cash reserve

What’s the value of your portfolio and what are your expenses?
by Goal33
Mon Nov 20, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 29
Views: 3261

Re: Unexpectedly in the housing market--should we buy this house or wait?

With your income, I’d just borrow from your taxable via margin the difference between your 65k and 20%. You’ll pay off the margin loan in a few months with given your high income.
by Goal33
Mon Nov 20, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6206

Re: Drive it till it dies. It died.

Some options off the top of my head You get it fixed someplace else cheaper (then keep driving or sell private party) You trade it into the dealership for whatever they’ll offer (as-is). You sell it on Craigslist for parts. You sell it on Craigslist noting it needs transmission work (as-is). You don...
by Goal33
Mon Nov 13, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1633

Re: Anyone Tried Soylent?

It is disgusting.

I read online about how to make it taste better... add bananas, peanut butter... the list goes on.

And then I decided to just eat the things I was adding and skip the soylent...
by Goal33
Sat Nov 11, 2017 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 4178

Re: Anyone used Zelle?

Ally seamlessly migrated all my automated transactions using PopMoney to Zelle last week. It was the same.
by Goal33
Thu Nov 09, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4235

Re: How old are you and what size is your portfolio?

I’m not sure why this is the thread that gets push back...

I’m 26, portfolio is 230k.
by Goal33
Sun Oct 29, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Car accident
Replies: 11
Views: 909

Re: Car accident

You are at fault and giving the other driver the run around. I wouldn’t work with you, and just contact your insurance company directly.
by Goal33
Thu Oct 26, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get interview/ strange turn, what to think?
Replies: 19
Views: 2467

Re: What would you do to get an interview?

Have your contact send a note. I would have started with that over the "proper channels". Edit: Where I currently work, internal recruiting ignored me, I applied online and was ignored. Ultimately I just contacted an external recruiter who fills roles for this company, and they hired me through her,...
by Goal33
Sat Oct 21, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: On selling home to a child
Replies: 25
Views: 1867

Re: On selling home to a child

If I am a child I am asking myself “why do I buy this home from my parents at full market value when they’d have to pay a 4.5-6% commission to sell it to a stranger?”
by Goal33
Sun Oct 01, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage, should I refinance .
Replies: 17
Views: 1538

Re: New mortgage, should I refinance .

Yes you should refi unless your current mortgage company wants to lower your rate without a refi.
by Goal33
Sun Oct 01, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5773

Re: Would you take a pay cut to work from home?

No, I would not. But I also paid 600k for a place instead of 500k to cut my commute from 30 minutes to 10 minutes. This is a perfect example of the trade offs you have in life. I think that you are making a lot of negative trade offs for small upside. Career risk, compenstation cut... etc. I’d see i...
by Goal33
Sun Oct 01, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from one paid-for house to another
Replies: 22
Views: 2134

Re: Moving from one paid-for house to another

Lots of the supposedly very best schools in high end suburbs, where the top end G&T tracked kids do very well, are mostly filled with lower tracked spoiled, bored to death, drugged out or alcohol abusing kids - so be very careful what you wish for. What's G&T? Gifted and talented Edit: Gin and tonic
by Goal33
Sun Oct 01, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from one paid-for house to another
Replies: 22
Views: 2134

Re: Moving from one paid-for house to another

You sell your house first and negotiate a rent-back from the buyer for while you're looking for the new place. I disagree if the property you are selling is as hot as described, Then find the house your wife wants first so there is no pressure to hurry up. Put in a good offer on property B continge...
by Goal33
Sun Oct 01, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Moving from one paid-for house to another
Replies: 22
Views: 2134

Re: Moving from one paid-for house to another

You sell your house first and negotiate a rent-back from the buyer for while you're looking for the new place. I disagree if the property you are selling is as hot as described, Then find the house your wife wants first so there is no pressure to hurry up. Put in a good offer on property B continge...
by Goal33
Sat Sep 30, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from one paid-for house to another
Replies: 22
Views: 2134

Re: Moving from one paid-for house to another

You sell your house first and negotiate a rent-back from the buyer for while you're looking for the new place.
by Goal33
Tue Sep 26, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Recasting right after home purchase
Replies: 6
Views: 898

Re: Recasting right after home purchase

Or ask the sellers of the new home if they’ll let you close on Friday afternoon instead of Tuesday. Say you’ll throw in an extra 500 bucks. And then you’ll have what you need to make the right downpayment upfront.
by Goal33
Fri Sep 22, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Large Mortgage
Replies: 24
Views: 2447

Re: Large Mortgage

If you are 500k per year income rich... Having a high income is not the same thing as being rich. There are many high income people who are far from rich because they spend as much as they make, or more, and they have lots of debt. I assume you are agreeing with me then since I was trying to establ...
by Goal33
Thu Sep 21, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Large Mortgage
Replies: 24
Views: 2447

Re: Large Mortgage

I'd pay cash. Just kidding. The answer depends on other factors... income, stability of income, current net worth, other expenses, where you are in your life, do you plan on staying for life... etc If you are rich rich rich and this is like a small expense in the grand scheme of your financial pictu...
by Goal33
Wed Sep 20, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 25350

Re: I won the Lottery. Need sound advice.

My advise is to pay off all debt including the mortgage. Fire your financial advisor and then come back here for advise with your updated situation.
by Goal33
Tue Sep 19, 2017 12:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9878

Re: Bogleheads you would most like to meet and why?

livesoft because he cracks jokes and I think it would be fun to hear his stories.
by Goal33
Sun Sep 17, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Keep Stock Investing or Buy Rental Home
Replies: 4
Views: 793

Re: Keep Stock Investing or Buy Rental Home

You're asking on the wrong forum unless you want us to tell you not to buy rental property.
by Goal33
Sat Sep 09, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51810

Re: Equifax customer information leak

I had my entire team confirm, and 100% of my 8 person sample size was impacted according to their website.
by Goal33
Wed Sep 06, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5960

Re: What is the main purpose of holding your current job?

I like my job but I expect to be paid competitively. Don't really fit any of the options listed.
by Goal33
Tue Sep 05, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5273

Re: how often does high ACT score == scholarship?

I had better stats and got nothing
by Goal33
Mon Sep 04, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4304

Re: repairman broke washing machine, what would you do?

I bought my Maytag washer 34 yrs ago and never had a problem. I can't remember ever changing the hoses. Its in a garage so no damage will occur if it leaks. Water is costly though:( Water is costly and I'm assuming your machine uses at least double the water over a modern machine. You're probably l...
by Goal33
Mon Sep 04, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2217

Re: Denied for Citi Double Cash, but no record of application?

If you have an existing card at Citi bank that you don't use, just do a product conversion.
by Goal33
Sun Sep 03, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3911

Re: Things to buy/repair before (early) retirement

might even consider a loan that you pay off early when in a lower tax bracket. Very simple advise that is worth a ton of money. I've seen people make this mistake over and over. My grandma insisted on having a paid off house before she retired in December. I begged her not to take the money from he...
by Goal33
Sun Sep 03, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3911

Re: Things to buy/repair before (early) retirement

might even consider a loan that you pay off early when in a lower tax bracket. Very simple advise that is worth a ton of money. I've seen people make this mistake over and over. My grandma insisted on having a paid off house before she retired in December. I begged her not to take the money from he...
by Goal33
Sat Sep 02, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9508

Re: Do you reinvest your dividends/capital gains?

oldzey wrote:
Sat Sep 02, 2017 3:38 pm
Here's what I do:

Tax-advantaged (Roth IRA): reinvest dividends/capital gains

Tax-deferred (403b): reinvest dividends/capital gains

Taxable (brokerage): dividends/capital gains sent to checking account
Same here
by Goal33
Sat Sep 02, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4304

Re: repairman broke washing machine, what would you do?

Time to rip the bandaid and buy a new one or deal with frustration and get nowhere with the repair company. Alternatively since there's nothing to lose, take it apart yourself and see if it's something obvious.
by Goal33
Sat Sep 02, 2017 12:49 am
Forum: Investing - Help with Personal Investments
Topic: How can I take advantage of a low-income year?
Replies: 23
Views: 2158

Re: How can I take advantage of a low-income year?

If you need to spend the money in your taxable account sometime over the next few years, then tax gain harvest. Otherwise follow advise above on converting to a Roth
by Goal33
Tue Aug 29, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 447

Re: Refinance Help

You must have some cash.... see what it appraises for and get it down to 80% L2V, do a 15 year fixed and never touch it again. You'll be paid off by 51.
by Goal33
Sun Aug 27, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Cost basis question
Replies: 4
Views: 577

Re: Cost basis question

Did you sell already? You can just have them update your current holdings. I don't know the answer if you've already sold.
by Goal33
Sat Aug 26, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: suggestion on buying our first home
Replies: 31
Views: 2765

Re: suggestion on buying our first home

You can afford it. Do you know the area well enough though?
by Goal33
Fri Aug 25, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Vacation home, and renting it out
Replies: 9
Views: 937

Re: Vacation home, and renting it out

I think about it everytime I go on a nice vacation but then I also think it's nice to have money in my vanguard brokerage account too and just pay for an Airbnb and leave when I'm done.
by Goal33
Thu Aug 24, 2017 1:19 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 32173

Re: What to do when a parent's money runs out?

nice of you to give 500 a month and some gifts occasionally. Since you're not getting an inheritance anyway tell her to put it on a credit card.